Obbligazione Goldman Sachs 2.83% ( XS0847346755 ) in USD

Goldman Sachs

100 USD ⇌

Stati Uniti

XS0847346755 ( in USD )

2.83% per anno ( pagato 2 volte l'anno)

20/10/2022 - Obbligazione è scaduto

Prospetto opuscolo dell'obbligazione Goldman Sachs XS0847346755 in USD 2.83%, scaduta

10 000 USD

30 000 000 USD

Goldman Sachs è una banca d'investimento multinazionale americana che offre servizi di investimento bancario, gestione patrimoniale e trading a clienti istituzionali e privati.

The Obbligazione issued by Goldman Sachs ( United States ) , in USD, with the ISIN code XS0847346755, pays a coupon of 2.83% per year.
The coupons are paid 2 times per year and the Obbligazione maturity is 20/10/2022

Final Terms No. 390
to the European Base Prospectus dated June 8, 2012, as supplemented
The Goldman Sachs Group, Inc.
Euro Medium-Term Notes, Series F

USD 36,820,000 Fixed Rate Notes due October 2022
* These final terms relate to USD 36,820,000 face amount of the notes. USD 30,000,000 face amount of the notes were
issued on October 22, 2012 pursuant to Final Terms No. 387 (the "original notes") and USD 6,820,000 face amount of
the notes will be issued on November 7, 2012 (the "reopened notes"). The original notes and reopened notes, having an
aggregate face amount of USD 36,820,000, have identical terms and are part of a single tranche of senior debt
securities of the same series under the fiscal agency agreement. The original notes and reopened notes are referred to
collectively as the "notes."

KEY TERMS
The terms of each note being offered are as follows:

Issuer: The Goldman Sachs Group, Inc.
Period) to but excluding the next succeeding originally
Face Amount: With respect to the Original Notes, USD
scheduled Interest Payment Date (or the originally scheduled
30,000,000. With respect to the Reopened Notes, USD
Stated Maturity Date, in the case of the final Interest Period)
6,820,000
Interest Payment Dates: April 22 and October 22 of each
Denomination: USD 10,000
year, beginning with April 22, 2013, up to and including April
22, 2022 and the Stated Maturity Date, subject to the
Minimum Investment: Not applicable
Business Day Convention and optional early redemption, as
Type of Note: Fixed Rate Note
described under "Additional Redemption Rights at the Option
Specified Currency: U.S. dollar ("USD")
of the Issuer" below
Trade Date: With respect to the Original Notes, October 17,
Additional Redemption Rights at the Option of the Issuer:
2012. With respect to the Reopened Notes, November 2,
On each Interest Payment Date from and including the
2012.
Interest Payment Date scheduled for October 22, 2013 to but
excluding the Stated Maturity Date, the Issuer has the right to
Original Issue Date (Settlement Date): With respect to the
redeem the notes in whole but not in part at a price equal to
Original Notes, October 22, 2012. With respect to the
100% of the then outstanding Face Amount of the notes plus
Reopened Notes, November 7, 2012.
any accrued but unpaid interest; in the event of a redemption,
ISIN Code: XS0847346755
notice will be given to Euroclear Bank SA/NV and
Common Code: 084734675
Clearstream Banking, société anonyme, no fewer than five (5)
Valoren Number: Not applicable
Business Days prior to the relevant Interest Payment Date
Stated Maturity Date: October 20, 2022, subject to
Repurchase at the Holder's Option: Not applicable
postponement in the event of non-Business Days and optional
Repayment upon Event of Default: 100% of the Face
early redemption, as described under "Additional Redemption
Amount of your note plus accrued but unpaid interest
Rights at the Option of the Issuer" below
Calculation Basis: Interest and redemption payments will be
Original Issue Price: With respect to the Original Notes,
calculated on a per denomination basis
100%. With respect to the Reopened Notes, 100% (which
Business Days: The relevant Business Days are Tokyo,
price includes approximately 0.13% representing accrued but
London and New York; see "Description of the Program --
unpaid interest from and including October 22, 2012 to but
Features Common to All Notes -- Business Days" in the
excluding November 7, 2012)
European base prospectus
Amount Payable at Maturity: 100% of the Face Amount
Business Day Convention: Modified Following Unadjusted;
Yield to Maturity: Not applicable
see "Description of the Program -- Features Common to All
Interest Rate: A rate per annum equal to 2.83%
Notes -- Business Day Conventions" in the European base
prospectus
Day Count Fraction: 30/360 (ISDA); see "Description of the
ProgramFeatures Common to All NotesCalculation of
Form of Notes: Registered global notes only, registered in
Interest" in the European base prospectus
the name of a nominee for a common depositary for Euroclear
and Clearstream, Luxembourg; see "Description of the
Interest Commencement Date: October 22, 2012
Program -- Form, Exchange, Registration and Transfer" in
Interest Period: Each period from and including an originally
the European base prospectus
scheduled Interest Payment Date (or the Interest
Intended to Be Held in a Manner Which Would Allow
Commencement Date, in the case of the initial Interest
Eurosystem Eligibility: No

LONDON:442952.3

Clearing: Euroclear Bank SA/NV and Clearstream Banking,
Calculation Agent: Goldman Sachs International
société anonyme
Listing and Admission to Trading: Application has been
Gross-up and Call in the Case of Tax Law Changes:
made to the Luxembourg Stock Exchange for the notes to be
Applicable; see "Description of the Program -- Payment of
admitted to trading on the Luxembourg Stock Exchange's
Additional Amounts" and "-- Redemption and Repayment--
regulated market and to be listed on the Official List of the
Redemption Upon Payment of Additional Amounts" in the
Luxembourg Stock Exchange; see "Listing and General
European base prospectus
Information" in the European base prospectus

--------------------
Your investment in your note involves risks. In particular, assuming no changes in market conditions or our
creditworthiness or other relevant factors, the value of your note on the issue date) may be less than the original issue
price. This is due to the difference (bid-ask spread) between the price at which the distributor of the notes buys the notes
from the Issuer and the original issue price, as well as certain other factors. We encourage you to read "Risk Factors" on
page 10 of the European base prospectus and "Additional Investment Considerations Specific to Your Note" on page S-5,
so that you may better understand those risks.
Any offered notes sold by Goldman Sachs International to dealers may be resold by such dealers in negotiated transactions
or otherwise at varying prices determined at the time of sale, which prices may be different from the original issue price.
These Final Terms should be read in conjunction with the European base prospectus, including all supplements to the
European base prospectus and all documents incorporated by reference therein, and you should base your investment decision on
a consideration of these Final Terms and the European base prospectus, including all supplements to the European base
prospectus and documents incorporated by reference therein, as a whole. Pursuant to Luxembourg law, the European base
prospectus, all supplements to the European base prospectus and all documents incorporated by reference therein and filed with
the Commission de Surveillance du Secteur Financier, and any Final Terms will be made available by the Luxembourg Stock
Exchange on its website.
The notes have not been registered under the U.S. Securities Act of 1933, as amended (the "Securities Act") and may not be
offered or sold in the United States or to U.S. persons (as those terms are defined in Regulation S under the Securities Act) unless
an exemption from the registration requirements of the Securities Act is available. See "Notice to Investors" on page S-3. These
Final Terms are not for use in, and may not be delivered to or inside, the United States.
The notes are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or any other
governmental agency, nor are they obligations of, or guaranteed by, a bank.
Goldman Sachs may use these Final Terms in the initial sale of the notes. In addition, Goldman Sachs International or other
affiliates of The Goldman Sachs Group, Inc. may use these Final Terms in a market-making transaction in a note after its initial sale.
Unless Goldman Sachs International or another affiliate of The Goldman Sachs Group, Inc. or their respective agents
inform the purchaser otherwise in the confirmation of sale, these Final Terms are being used in a market-making
transaction.
Goldman Sachs International

Final Terms dated November 6, 2012

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LONDON:442952.3

NOTICE TO INVESTORS
The notes have not been registered under the Securities Act and may not be offered or sold
in the United States or to U.S. persons (as those terms are defined in Regulation S under the
Securities Act) unless an exemption from the registration requirements of the Securities Act is
available. In particular, hedging transactions involving the notes may not be conducted other
than in compliance with the Securities Act. Each purchaser of a note is deemed to agree to
comply with the foregoing.
Except in certain limited circumstances, owners of beneficial interests in the notes will not
be entitled to have the notes registered in their names, will not be entitled to receive physical
delivery of the notes in definitive form except in limited circumstances and will not be
considered the owners or holders of the notes under the fiscal agency agreement governing
the notes.
Unless the context otherwise requires, references to "The Goldman Sachs Group, Inc.",
"we", "our" and "us" mean only The Goldman Sachs Group, Inc. and do not include its
consolidated subsidiaries. References to "Goldman Sachs" mean The Goldman Sachs Group,
Inc. together with its consolidated subsidiaries, and the "Goldman Sachs Group" refers to The
Goldman Sachs Group Inc. and its consolidated subsidiaries. Also, references to the "European
base prospectus" mean the European base prospectus, dated June 8, 2012, of The Goldman
Sachs Group, Inc, as supplemented.
In these Final Terms, references to "holder" or "holders" mean only those who have notes
registered in their own names and not indirect owners who own beneficial interests in notes of
which others are the registered holders. The latter include those who own beneficial interests in
notes issued in global -- i.e., book-entry -- form through Euroclear Bank SA/NV, Clearstream
Banking, société anonyme or another depositary ("global note"). Owners of beneficial interests in
notes issued in global form should read the section entitled "Description of the Program -- Form,
Exchange, Registration and Transfer" in the European base prospectus. Also, references in these
Final Terms to "you" mean those who invest in the notes, whether they are the actual registered
holders of the global notes or only owners of beneficial interests in global notes. References to
"your note" mean the notes in which you hold a direct or indirect interest.
--------------------
Responsibility Statement
The Goldman Sachs Group, Inc. accepts responsibility for the information contained in
these Final Terms. To the best of the knowledge and belief of The Goldman Sachs Group, Inc.
(which has taken all reasonable care to ensure that such is the case), the information contained in
these Final Terms is in accordance with the facts and contains no omission likely to affect the
import of such information. Where information contained in these Final Terms has been sourced
from a third party, this information has been accurately reproduced and so far as The Goldman
Sachs Group, Inc. is aware and is able to ascertain from information published by that third party,
no facts have been omitted which would render the reproduced information inaccurate or
misleading.
--------------------
We have not authorized anyone to provide any information or to make any representations
other than those contained in these Final Terms and the European base prospectus. Neither
these Final Terms nor the European base prospectus constitutes an offer to sell or the solicitation
of an offer to buy any securities in any jurisdiction where, or to any person to whom, it is unlawful
S-3
LONDON:442952.3

to make such offer or solicitation. Neither the delivery of these Final Terms or the European base
prospectus, nor any sale made hereunder or thereunder, shall, under any circumstances, create
any implication that there has been no change in the affairs of The Goldman Sachs Group, Inc.
since the date hereof or thereof or that the information contained herein or therein is correct as of
any time subsequent to its date.
Neither the U.S. Securities and Exchange Commission (the "SEC") nor the regulatory
authority of any other jurisdiction has passed upon the accuracy or adequacy of these Final
Terms or the European base prospectus.
Any person making the decision to acquire the notes shall be deemed, on behalf of itself
and the holder, by acquiring and holding the notes or exercising any rights related thereto, to
represent that:
(i)
the funds that the holder is using to acquire the notes are not the assets of an
employee benefit plan subject to Title I of the Employee Retirement Income Security Act of 1974,
as amended ("ERISA"), a plan described in and subject to Section 4975 of the Internal Revenue
Code of 1986, as amended (the "Code"), a governmental plan subject to any federal, state or local
law that is similar to the provisions of Section 406 of ERISA or Section 4975 of the Code, or an
entity whose underlying assets include "plan assets" by reason of Department of Labor regulation
section 2510.3-101, as modified by Section 3(42) of ERISA, or otherwise; or
(ii)(A) the holder will receive no less and pay no more than "adequate consideration"
(within the meaning of Section 408(B)(17) of ERISA and Section 4975(F)(10) of the Code) in
connection with the purchase and holding of the notes; (B) none of the purchase, holding or
disposition of the notes or the exercise of any rights related to the notes will result in a non-
exempt prohibited transaction under ERISA or the Code (or with respect to a governmental plan,
under any similar applicable law or regulation); and (C) neither The Goldman Sachs Group, Inc.
nor any of its affiliates is a "fiduciary" (within the meaning of Section 3(21) of ERISA (or any
regulations thereunder) or, with respect to a governmental plan, under any similar applicable law
or regulation) with respect to the purchaser or holder in connection with such person's
acquisition, disposition or holding of the notes, or as a result of any exercise by The Goldman
Sachs Group, Inc. or any of its affiliates of any rights in connection with the notes, and no advice
provided by The Goldman Sachs Group, Inc. or any of its affiliates has formed a primary basis for
any investment decision by or on behalf of such purchaser or holder in connection with the notes
and the transactions contemplated with respect to the notes.
_______________
You agree that (i) you will not offer, sell or deliver any of the notes described in these Final Terms
in any jurisdiction, except in compliance with all applicable laws, and (ii) you will take, at your own
expense, whatever action is required to permit purchase and resale of the notes.

S-4
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ADDITIONAL INVESTMENT CONSIDERATIONS SPECIFIC TO YOUR NOTE

Assuming No Changes in Market Conditions
Furthermore, if you sell your note, you will
and Other Relevant Factors, the Value of
likely be charged a commission for secondary
Your Note on the Issue Date (As Determined
market transactions, or the price will likely reflect
by Reference to Pricing Models Used by
a dealer discount.
Goldman Sachs) May Be Less than the
There is no assurance that Goldman Sachs
Original Issue Price
or any other party will be willing to purchase your
The value or quoted price of your note at
note, and in this regard Goldman Sachs is not
any time will reflect many factors and cannot be
obligated to make a market in your note. See
predicted. If Goldman Sachs makes a market in
"Risk Factors--Considerations Relating to Notes
the notes, the price quoted by us or our affiliates
Generally--Any Notes We May Issue May Not
for your note would reflect any changes in
Have an Active Trading Market" in the European
market conditions and other relevant factors,
base prospectus.
including a deterioration in our creditworthiness
The Market Price of the Notes May Be
or perceived creditworthiness whether measured
Influenced by Many Unpredictable Factors
by our credit ratings or other credit measures.
and If You Sell Your Note Prior to the Stated
These changes may adversely affect the market
Maturity Date, You May Receive Less Than
price of your notes, including the price you may
the Face Amount of Your Note
receive for your notes in any market making
transaction. In addition, even if our
The following factors, most of which are
creditworthiness does not decline, the value of
beyond our control, will influence the market
your note on the issue date may be less than the
price of the notes:
original price taking into account our credit

spreads on that date. The quoted price could be
economic, military, financial, regulatory,
higher or lower than the original issue price, and
political, terrorist and other events that affect
may be higher or lower than the value of your
securities generally;
note as determined by reference to pricing
interest and yield rates in the market;
models used by Goldman Sachs.
the time remaining until a note matures; and
In addition, assuming no changes in market
conditions or the creditworthiness of the Issuer
our creditworthiness.
or other relevant factors, the value of your note
As a result of these and other factors, if you
on the issue date may be less than the original
sell your note prior to maturity, you may receive
issue price. This is due to the difference (bid-ask
less than the outstanding face amount of your
spread) between the price at which the
note. Moreover, these factors interrelate in
distributor of the notes buys the notes from the
complex ways, and the effect of one factor may
Issuer and the original issue price, as well as
offset or enhance the effect of another factor.
certain other factors.
The Notes May Not Have an Active Trading
If at any time a third party dealer quotes a
Market
price to purchase your note or otherwise values
your note, that price may be different (higher or
Neither we, nor any of our affiliates, have
lower) than any price quoted by Goldman Sachs.
any obligation to make a market in the notes.
See "Risk Factors -- Considerations Relating to
The notes will not be listed on any stock
Notes Generally -- The Market Price of Any
exchange. Even if a secondary market for the
Notes We May Issue May Be Influenced by
notes develops, it may not provide significant
Many Unpredictable Factors and If You Buy a
liquidity. The transaction costs in any such
Note and Sell It Prior to the Stated Maturity
secondary market may be high. As a result, the
Date, You May Receive Less Than the Face
difference between bid and asked prices for the
Amount of Your Note" in the European base
note in any secondary market could be
prospectus.
substantial.

S-5
LONDON:442952.3

We Have the Right to Redeem Your Note at
Payments on your note are economically
Our Option
equivalent to the amounts that would be paid on
a combination of other instruments. For
On each interest payment date from and
example, payments on your note are
including the interest payment date scheduled
economically equivalent to the amounts that
for October 22, 2013 to but excluding the stated
would be paid on a combination of an interest-
maturity date, we will have the option to redeem
bearing bond bought, and an option sold or
your notes by notice to Euroclear Bank SA/NV
bought, by the holder (with an implicit option
and Clearstream Banking, société anonyme, no
premium paid over time to or by the holder). The
fewer than five (5) business days prior to the
discussion in this paragraph does not modify or
relevant interest payment date. Even if we do
affect the terms of the notes or the U.S. income
not exercise this option, our ability to do so may
tax treatment of the notes as described under
adversely affect the value of your notes.
"United States Taxation" in the European base

prospectus.

S-6

LONDON:442952.3

ADDITIONAL INFORMATION ABOUT THE PLAN OF DISTRIBUTION

General
The notes have not been registered under
the Securities Act and may not be offered or sold
We have agreed to sell to Goldman Sachs
in the United States or to U.S. persons (as those
International, and Goldman Sachs International
terms are defined in Regulation S under the
has agreed to buy from us, the aggregate face
Securities Act) unless an exemption from the
amount of the notes specified on the front cover
registration requirements of the Securities Act is
of these Final Terms. Goldman Sachs
available. In particular, hedging transactions
International intends to resell the notes at the
involving the notes may not be conducted other
original issue price applicable to the notes to be
than in compliance with the Securities Act. Each
resold in offshore transactions in reliance upon
purchaser of a note is deemed to agree to
Regulation S under the Securities Act. Any notes
comply with the foregoing.
sold by Goldman Sachs International to dealers
may be resold by such dealers in negotiated
The address of Goldman Sachs
transactions or otherwise, at varying prices
International is Peterborough Court, 133 Fleet
determined at the time of sale, which prices may
Street, London EC4A 2BB, United Kingdom.
be different from the original issue price. In the
For more information about the plan of
future, Goldman Sachs International and our
distribution and possible market-making
other affiliates may repurchase and resell the
activities, see "Plan of Distribution" in the
notes in market-making transactions, with
European base prospectus.
resales being made at prices related to
prevailing market prices at the time of resale or
at negotiated prices.
S-7
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